I have (almost) no issue with accounts being frozen. At the end of the day, it's a private company, they can chose if they want to do business with you or not.

I have (almost) no issue with accounts being frozen. At the end of the day, it's a private company, they can chose if they want to do business with you or not. Likewise, holding for 180 days is aligned with most credit card chargeback limits, so they protect themselves. (There are other ways to go about this, which most other processors handle in a frictionless fashion, ie Stripe). Having an account frozen is more than annoying, but it's their choice. However seizing (stealing) funds is completely unacceptable, no matter how it's dressed up. Hell, even if they gave seized funds to charity it'd be slightly more palatable than lining their pockets from proceeds they deemed as "risky".